Misunderstandings and countermeasures of private entrusted financial management
1, develop a good habit of independent investment, and don't have the idea of relying too much on others for investment.
There are many investment experts in the securities market, and investors have different returns on investing in securities, but this can never be a reason for investors to give up their independent investment. Lack of securities investment skills and financial awareness, can not always borrow other people's "brains." On the investment issue, investors should have a clear understanding and positioning. Especially for those unfamiliar with high-risk investment, you may wish to start with purchasing low-risk fund products, securities firms' wealth management products and trust products. To make up for the shortcomings of lack of knowledge and ability, rather than shifting the focus of investment to private experts in order to obtain high returns.
2. Face and treat the private entrusted wealth management business rationally.
Generally speaking, the main income bait of private entrusted wealth management business is higher than bank time deposits, or the agreement is much higher than the average rate of return in the securities market and promises to investors. Faced with such a high-yield agreement, investors should make a detailed investigation and demonstration, and make a clear agreement in the private entrusted financial management contract, and analyze and understand their subject qualifications and legal status, especially their actual working capital level and ability, relevant qualifications and conditions. At present, China's private equity funds are developing rapidly, many of which are well-operated, sound in mechanism, tight in internal control and high in return rate, but most of them are insufficient in operation ability, weak in risk awareness and low in return level, thus causing undue huge losses to customers. In the process of signing a private entrusted financial management contract, investors may lose all their money if they don't pay attention to the favorable terms.
3. Be good at using contract law to protect rights.
Private entrusted financial management is a kind of private lending, which has no complete legal significance and cannot be protected reasonably and legally. Because the private entrusted wealth management business is extremely hidden, the information is opaque and the risk cannot be remedied. Therefore, investors should learn to be good at using contract law to safeguard their rights and interests when choosing private entrusted wealth management business. As long as the loan relationship between the two parties is clear, the terms are clear, and the liability for breach of contract is clear, it is also the true intention of the two parties to sign the contract, and it is understandable that they can voluntarily perform it. However, investors should bear in mind the warning that "investment is risky, and it is necessary to be cautious when entering the market" and sign private entrusted financial management contracts carefully to prevent risks and regrets.
4. Be wary of private entrusted wealth management business in disguise.
With the continuous development of the securities market, more and more institutions and individuals provide securities investment consulting services for investors. Because of the stock investment in the securities market, it is easy to be influenced by consulting service personnel to make wrong buying and selling decisions, and investors can't collect proper evidence to defend their rights, and they also lack due legal support in oral service agreements and oral operations, so it is inevitable that investors will suffer losses. Therefore, when accepting oral advice from investment consulting services, investors should first consider the legal significance of their reference operation and the corresponding liability for breach of contract, otherwise the losses caused can only be regarded as personal behavior.
5. Beware of malicious acts in private entrusted financial management.
At present, in the securities market, investors' stocks are often stolen and sold unconsciously, which has also caused more disputes and caused undue losses to investors. The main reason is that investors choose the wrong agent, or operate carelessly, or are caused by private entrusted wealth management business. Investors have a certain degree of malicious operation behavior because of the investment losses of entrusted wealth management business between individuals. Judging from the causal relationship between various private entrusted wealth management businesses and stock theft, it seems that it is not completely established, and a series of problems caused by this private entrusted wealth management business can not be underestimated.
Refer to the P2P knowledge encyclopedia "Entrusted Financial Management": http://www.tt168.cc/article-5.html.